187 Star and Garter Road, Stoke-on-Trent, ST3 7HJ

UPRN:3455091780Detached House4 bedsBuilt 1991-1995

FreeholdCouncil Tax: Band EEPC: C (73)

Data freshness:Listing· freshPlanning· 5mo agoOwnership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 3mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

187 Star and Garter Road, Stoke-on-Trent, ST3 7HJ

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£366,000

£348k - £384kHigh

Estimate

£366k

Range

£348k – £384k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

6.08%

Verdict

Derived from HomePortfolio scores

187 Star and Garter Road earns an INVESTIGATE rating with HP Score 80/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (61/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

61/ 100

Moderate

Transit & Bike

Transit 10Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 6 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [AVM +0.3% (HIGH), sold-comps +6.2%, £/sqft +6.2%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 3455091780· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 23.6%· as of 8 Nov 2026
Rental economics8/40
gross yield 6.1%; range width penalty ×0.93
- valuation_snapshotsrent estimate 1850/mo (range 1750-2000)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -310/mo, -17% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 384 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 6 Nov 2026
Risk & liquidity14.7/15
574 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£274,000£419,500

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£365,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,750-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £119,050
Net cash flow: £49/mo
Cash on cash: 0.5%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.50 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 3455091780Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 23.6%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 1850/mo (range 1750-2000)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 1850/mo (range 1750-2000)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 384 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£366,000

Rent Estimate (pcm)£1,850

Gross Yield6.08%

1y Growth-

3y Growth+3.2%

5y Growth+4.3%

10y Growth+4.3%

Last Sold Price£278,000 (2017-02-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0ST3 7HJ

Approval Rate

-12mo

Development

low

26/DCC/00568
Application to discharge condition 4(drainage) on application 68954/FUL.
Conditions
26/DCC/00507
Application for discharging conditions 4, 10 and 11 with relation to reference 25/FUL/00653
Pending
26/DCC/00428
Discharge of conditions 6: Discharge of Contamination Site Investigation Report 5: Approval of Landscaping Scheme 4: Discharge of Surface Water Drainage Scheme (SuDS) Permission 68954/FUL
Pending

View Planning Timeline

Ownership

Corporate Ownership55.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-02-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,041

Population Density804 /km²

Owner Occupied92%

Age Distribution

0-15 19%16-64 65%65+ 16%

View Area Profile

Schools Nearby

Ormiston Meridian Academy
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Augustine's Catholic Academy
0.4 mi
Inspected as St Augustine's RC (A) Primary School (URN 124322) on 29 Jan 2013
Belgrave St Bartholomew's Academy
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Alexandra Junior School
0.5 mi
Good

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

195 Star & Garter Road
-
£195k
-
179 Star & Garter Road
-
£215k
-
181 Star & Garter Road
-
£115k
-
197 Star & Garter Road
-
£190k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN